Palmdale residents Tim and Rachel Burhans had attended Lamaze classes for about five weeks, as they prepared to give birth to their first child. But preparation was cut short when Rachel Burhans went into labor seven and a half weeks early.

Patti Handy has heard the story all too often - a teenager overdrafts several times in one day after swiping their debit card at the mall, Starbucks Coffee and lunch with friends. All the while, the teen is unaware they didn't have enough money in their bank account. A $4 vanilla latte becomes a $49 pain-in-the-wallet fee owed to the bank, added to four more $25-35 fees.